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1198 N Edgewater Trl, Toccoa, GA, 30577

7beds
9baths
7,090sqft
$2,300,000
$324price/sqft
$15,208/moest. monthly cost
$608,320/yrincome needed

About This Home

Designer-Curated Lake Hartwell Retreat in Gated Currahee Club Set along the shores of Lake Hartwell in the gated Currahee Club community, this exceptional custom home delivers a rare combination of intentional design, effortless flow, and refined comfort. Created by an owner-designer who thoughtfully applied every detail with purpose, the home feels elevated yet instantly welcoming-a place where gatherings feel natural and everyday living feels special. Oversized windows throughout the home flood each space with natural light, highlighting the smart, inviting layout and enhancing the seamless connection between indoor and outdoor living. With more than 7,000 square feet of beautifully finished living space, the home was designed for both relaxed lake living and large-scale entertaining. The heart of the home features a stunning gourmet kitchen complemented by a secondary kitchen, both equipped with premium appliances, fully integrated paneled refrigeration, and an impressive oversized island that anchors the space while offering abundant storage and seating. The open flow encourages connection, making it easy to move from kitchen to living areas and out to the deck overlooking the lake. The main-level owner's suite is a private retreat with sweeping lake views and direct access to the rear deck. The spa-inspired bath showcases custom finishes and two generous walk-in closets, creating a peaceful escape at the end of the day. A private office on the main level provides a quiet, functional workspace for remote living. Upstairs, a versatile bunk suite with private bath and dedicated hangout space offers an ideal retreat for guests or younger family members. The terrace level expands the home's entertaining potential with a fireside family room, billiards area, kitchenette, home gym, sauna, and a second laundry room-perfect for hosting extended stays or lake weekends. Five guest suites with ensuite baths, in addition to the bunk suite, provide exceptional accommodations for family and friends. Outdoor living is equally impressive, with beautifully landscaped rear gardens, approximately 125 feet of lake frontage, and inviting spaces to relax, entertain, or enjoy time by the water. Additional highlights include high-end decorative lighting, custom window treatments to remain, a spacious laundry and craft room, a three-car garage with a 12-foot door for larger vehicles or boat storage, and a heated and cooled workroom. Whether enjoying game day by the fire on the screened porch or unwinding along your private shoreline, this home is designed for memorable moments and effortless enjoyment. This is a thoughtfully crafted Lake Hartwell home where upscale design meets warmth, livability, and the joy of lake life.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

--
Big A Elementary SchoolGrades PK-K6.3 mi
4/10
5/10

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Basement
  • Construction materials: Brick,Block,Concrete

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other,Ranch,See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Double Oven,Dishwasher,Disposal,Refrigerator,Smooth Cooktop

Basement

  • Has basement: Yes
  • Basement: Daylight,Full,Finished,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 9
  • Full bathrooms: 7
  • 1/2 bathrooms: 2
  • Main level bathrooms: 3
  • Main level bedrooms: 3

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 7,090
  • Total interior livable area: 7,090 sqft

Property

Details

  • Parcel number: 056 063

Features

  • Levels: Two
  • Stories: 1
  • On waterfront: Yes
  • Waterbody name: Hartwell
  • Frontage length: 122
  • Living area range: 6000 And Above

Lot

  • Lot size: 0.43 Acres
  • Features: Outside City Limits,Subdivision

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hail
Ice Storm
Strong Wind
Tornado

FEMA Declared Disasters Across Georgia Counties

Flood
Hurricane
Severe Storm
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $11,630$139,560
Home Insurance *$1,530$18,360
Property Taxes $1,360$16,320
Electricity $688$8,266
Total$15,208$182,496
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$521,417/yr
40% on housing$456,240/yr
45% on housing$405,546/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$324This listing

vs Other Active Listings

Avg $/sqft

ZIP 30577$132
Stephens County$136

vs Homes Sold Last Month

Median $/sqft

ZIP 30577$154
Stephens County$152

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-02-09Listed for sale$2,350,000
2024-12-17Listing removed$2,800,000
2024-09-05Listed for sale$2,800,000
2020-12-14Sold$210,000

For Sale by Agent

AgentJoni Scott
BrokerageHammock Realty North Georgia

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